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Security Deposit and Renters Insurance: Understanding the Differences and Protecting Your Interests

A security deposit is an amount of money that a tenant is required to pay to a landlord for the landlord to pay for any repairs that must be made after the tenant moves out. Renters insurance is a type of insurance policy that a tenant can purchase to protect their personal property and to cover their liability in case of accidents or injuries that occur in their rental unit.

Here are a few tips to help ensure that you keep damage to a minimum and get your security deposit back.  (Note that this advice is given from the perspective of a real estate professional.  This website does not offer legal advice.)
  1. Document the condition of the unit before you move in. Take note of anything that is damaged, no matter how minor, and even take photos. Both you and your landlord should keep a copy of your checklist. That way, when it is time to move out, you will have evidence of any damage that you did not cause.
  2. Know your lease. Most states allow landlords to use security deposits to cover unpaid rent or utilities, repairs not attributable to normal wear and tear, and cleaning to bring the premises back to the condition it was in when you moved in. Be sure that you know what you are expected to do before you move out.
  3. Clean up before you leave. You definitely want to leave your unit in the best possible condition when you move out. You might even consider bringing in professional cleaners to make the unit appear spic and span.
  4. Know your rights as a renter. Your landlord is required to notify you in writing of the charges to your security deposit. If the landlord cannot provide this documentation, you are entitled to receive your security deposit back; remember, it is your money and your landlord can only keep it for a valid, documented purpose.
  5. Ask to be present when your landlord does the final walk-through. You can offer to immediately remedy any additional problems that he or she finds without forfeiting your security deposit.
  6. Make sure to give your landlord your new address! He or she will need to know where to send your money. In most states, landlords have 14 days to return your security deposit.

Note that security deposit laws in NYS are a bit different for rent regulated units.  

Renter's Insurance
The security deposit is necessary for landlords to have a financial cushion to cover any damages or unpaid rent that the tenant may leave behind when vacating the unit. Renters insurance, on the other hand, is necessary for tenants to protect their personal property and assets in case of any unforeseen events that may occur while they live in the unit. So, while it's important to take steps to protect your security deposit, don't forget to also consider purchasing renters insurance to protect yourself from any potential losses.

Note that in New York, there are laws in place that limit the amount of security deposit that a landlord can collect. At the beginning of their tenancy, all tenants can be required to give their landlord a security deposit, but it is limited to no more than one month’s rent. The one-month limit means that a landlord cannot ask for last month’s rent and a security deposit. However, if the lease is renewed at a greater amount or the rent is increased during the term of the lease, the landlord is permitted to collect additional money from the tenant to bring the security deposit up to the new monthly rent. Landlords, regardless of the number of units in the building, must treat the deposits as trust funds belonging to their tenants and they may not co-mingle deposits with their own money, furthermore, the money must be returned within 14 days of the tenant moving out of a non-rent controlled apartment. 

In summary, security deposit and renters insurance are two essential aspects for tenants to consider when renting a unit. While security deposit is necessary for landlords to have a financial cushion in case of damages or unpaid rent, renters insurance is necessary for tenants to protect their personal property and assets in case of any unforeseen events. Tenants should take steps to protect their security deposit by documenting the condition of the unit, understanding their lease, cleaning up before they move out and being aware of their rights as a renter. Additionally, tenants should also consider using renter's insurance to protect their own personal property.
Is there any way to get around paying the Security Deposit?
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​Eddie Landsberg, MA, Ed.M, B.Mus

An internationally respected music theorist and performer, Eddie was born and raised in Philadelphia and began classical piano training at the age of 5,  starting Jazz Studies at Philadelphia's famous Settlement Music School in his teens.  Switching to Hammond Organ in his mid 20's, he received his first organ lesson from the legendary Shirley Scott then studied Jazz composition and performance with Blue Note Recording artist Big John Patton.  He also received guidance from Austin Mitchell (a favorite accompanist of Ella Fitzgerald) and began performing alongside Byard Lancaster and other "old school" Philly and East Coast Jazz and R&B legends.  After recording several CDs which received national air play ( NPR, WBGO and hundreds of radio stations across in the U.S), Eddie became one of the original factory demonstrators for the original Nord Electro, touring Europe to promote their product.  Shortly after, he moved to Japan where he spent almost 20 years teaching, leading bandstands and running his own venue which was featured on NHK and in magazines throughout the country.  While there, he also did vocal and performance coaching for Victor Records, and was involved in promotions for Yamaha Motorcycles and the Mori Building (celebrating the opening of the famous Roppongi Hills Complex.)
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Eddie currently resides in Astoria, Queens and is creator of the "7 Secrets of Jazz and Soul" Jazz improv series.  


Education: BA in Music, Thomas Edison State University MA Liberal Studies (focus onEthnomusicology and Critical Jazz Studies), Rutgers University (Capstone with Honors) Ed.M, Rutgers University, specializing in Adult Education
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Recordings | Publications | Interviews 


エディ・ランズバーグ、MA、Ed.M、B.Mus
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エディ・ランズバーグは、国際的に尊敬される音楽理論家兼演奏家で、豊かで多様な音楽的背景を持っています。フィラデルフィアで生まれ育ち、彼はわずか5歳のときから音楽の道を歩み始め、クラシックピアノのトレーニングをスタートしました。ティーンエイジャーの頃、フィラデルフィアの名門セトルメント音楽学校でジャズスタディに没頭しました。そして20代半ばでハモンドオルガンに転身し、伝説的なシャーリー・スコットから初めての指導を受けました。その後、ブルーノート・レコーディング・アーティストであるビッグ・ジョン・パットンの指導のもと、ジャズの作曲と演奏の技術を磨きました。  エディの音楽的旅路は、エラ・フィッツジェラルドのお気に入りの伴奏者であるオースティン・ミッチェルなど、著名なアーティストからの貴重なアドバイスで彩られました。彼は「オールドスクール」のフィラデルフィアや東海岸のジャズとR&Bのレジェンド、バイヤード・ランカスターなどと共演し、音楽シーンに不朽の足跡を刻みました。 エディの創造的な旅は、全米で放送されるなど、高い評価を受けたCDの制作につながりました。彼はまた、革新的な楽器であるノードエレクトロのオリジナルファクトリーデモンストレーターの一人として、ヨーロッパツアーを行い、製品の宣伝に貢献しました。 その後、エディは日本への大きな転機を迎え、ほぼ20年にわたり教育者、バンドリーダー、独自の名門会場の経営者として活動しました。彼の仕事は、NHKでの出演や国内の多くの雑誌での取り上げられ、広く認知されました。この期間中、彼はビクターレコードのためにボーカルとパフォーマンスの指導を行い、ヤマハモーターサイクルと森ビルディング(有名な六本木ヒルズコンプレックスのオープニングを祝う)のプロモーションにも貢献しました。
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現在、エディ・ランズバーグはクイーンズのアストリアを拠点にし、「ジャズとソウルの7つの秘密」ジャズ即興シリーズのビジョナリーです。
学歴:
  • 音楽学士号(B.Mus)、トーマス・エジソン州立大学
  • 芸術修士号(MA)リベラルスタディ、ラトガーズ大学(エスノミュージコロジーとクリティカルジャズスタディに焦点、優等でキャップストーン)
  • 教育修士号(Ed.M)、ラトガーズ大学(大人の教育を専門とし、特別研究で優等)
エディの録音、出版物、インタビューを通じて、彼の驚異的な音楽の旅に深く没頭してください。

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The information on this site is presented as general information and for marketing purposes only and does not constitute  personal or professional advice.  Please refer to DISCLAIMER and Terms of Service.

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